Cost of Borrowing
British Columbia Resident Agreement

Maximum charges permitted in British Columbia for a payday loan:
15% of the principal
We charge: 15% of the principal

For a $300.00 loan for 14 days:
Total cost of borrowing = $45.00
Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act

British Columbia License Number: 82827

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Cost of Borrowing
Ontario Resident Agreement

Maximum charges permitted in Ontario for a payday loan:
15% of the principal
We charge: 15% of the principal

For a $300.00 loan for 14 days:
Total cost of borrowing = $45.00
Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act

Ontario License Number: 4741248

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Online Payday Loan Rates and Terms in Saskatchewan

$17 per $100

Example: For a $300 loan for 14 days
Principal Amount: $300 loan for 14 days
Total Cost of Borrowing: $51
Total to Pay: $351

"This information conforms to the requirements of The Payday Loans Act"

A Payday Loan is a High Cost Loans
A payday loan is a high cost loan. Payday loans are regulated by the Financial and Consumer Affairs Authority of Saskatchewan. For information relating to payday loans you can visit the FCAA website at https://fcaa.gov.sk.ca

Fees and Charges
The following are fees and charges applied on a payday loan:
Loan fee of 17% of the loan principal, payable on the loan repayment date.
NSF charge of $25. for a dishonoured cheque or pre-authorized debits dishonoured. Default interest of 30% per annum will be charged on the outstanding principal balance of the loan, if you fail to pay the loan in full on the loan repayment date.

Rights to cancel payday loan
The borrower shall have the right to cancel the payday loan, without reason or cost, at anytime before the end of the business day following the date that the payday loan agreement was entered into.

To cancel a payday loan agreement. the borrower shall:
  1. Give written notice of the cancellation to Swiftonlinecash.com by use of the Notice of Cancellation form. The cancellation notice must be delivered by email to support@swiftonlinecash.com
  2. Repay to Swiftonlinecash.com by payment method of e-transfer. the amount that was advanced to the borrower under the payday loan. The funds must be e-transferred to Swiftonlinecash.com at support@swiftonlinecash.com.
  3. On the cancellation of a payday loan agreement and receipt of loan repayment, Swiftonlinecash.com will immediatly provide the borrower with a Receipt of Cancellation form the loan agreement respecting the amount the borrower paid or returned to the payday lender on cancelling the payday loan agreement.

    The cancellation of a payday loan agreement extinguishes every liability and obligation of the borrower is under. or related to. the payday loan agreement.
Debt Counselling
If you feel you may benefit from confidential debt counselling. Credit Counselling Canada can be reached by calling toll-free at 1-888-527-8999; by fax at 1-888-520-8008; by e-mail at info@nomoredebts.org or by mail at Suite 124A 1621 Albert Street Regina SK S4R 8G9. You can also visit their website for further information at www.CreditCounsellingCanada.ca.

Forms
Cancellation Receipt Forms

Credit Counselling
Credit Counselling Information

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Maximum charges permitted in Alberta for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%


in Edmonton, Calgary, Red Deer, Lethbridge, Fort McMurray, Medicine Hat, Grande Prairie, Airdrie, Spruce Grove, Lloydminster, Leduc, Okotoks, Cochrane, Fort Saskatchewan, Chestermere, Camrose, Beaumont, Stony Plain, Sylvan Lake, Brooks, Strathmore, High River, Wetaskiwin, Lacombe, Canmore, Morinville, Whitecourt, Hinton, Olds, Blackfalds, Taber, Coaldale, Edson, Banff, Grand Centre, Innisfail, Ponoka, Drayton Valley, Cold Lake, Devon, Drumheller, Rocky Mountain House, Slave Lake, Wainwright, Stettler, St. Paul, Redcliff, Vegreville, Didsbury, Bonnyville, Langdon, Westlock, Barrhead, Jasper, Peace River, Vermilion, Raymond, Pincher Creek, Claresholm, Grande Cache, Cardston, Penhold, Carstairs, Three Hills, Crossfield, High Level, Fort Macleod, Gibbons, Coalhurst, Grimshaw, Fairview, Black Diamond, Sexsmith, Hanna, Beaverlodge, Lac la Biche, High Prairie, Turner Valley, Magrath, Rimbey, Heritage Pointe, Nanton, Provost, Clairmont, Millet, Sundre, La Crète, Tofield, Calmar, Bow Island, Fox Creek, Picture Butte, Vulcan, Redwater, Blairmore, Bon Accord, Wembley, Springbrook, Lancaster Park, Coleman, Elk Point, Valleyview, Westlake, Lamont, Nobleford, Swan Hills, Athabasca, Bowden, Vauxhall, Mayerthorpe, Alberta Beach - Val Quentin, Two Hills, Bassano, Irricana, Legal, Eckville, Manning, Trochu, Viking, Falher, Bentley, Duchess, Wood Buffalo

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Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
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Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
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Oshawa's vibrant community and fast-paced lifestyle can bring unexpected expenses, from surprise home repairs to car troubles on King Street. Swift Online Cash is here to help.

Apply now and cover unexpected costs like Durham Region Transit fares, Regent Theatre event tickets, or surprise expenses at the Oshawa Farmers' Market. We're here to help you move forward and enjoy Oshawa's attractions, from scenic walks at McLaughlin Bay Wildlife Reserve to shopping at Oshawa Centre.

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Transparent

Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.


Fast

You’ll know instantly when you’re approved for your loan and what repayment schedule of 1, 2 or 3 installments best suits your needs.


Safe & Secure

Completely confidential and secure, guaranteed! We use the same high security standards like the banks.


Expert Support

Our support staff. Always ready and available to answer any questions that you may have to ensure you get the loan you need.


No Hidden Fees

Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.


Flexibility

Your interest fee is unchanged, whether it’s better for you to pay in 1, 2 or 3 equal repayments.

Some Other Ontario Cities Where We Provide Loans:


    Southwestern Ontario
  • London
  • Windsor
  • Niagara Falls
  • Kitchener
  • Waterloo
  • Cambridge
  • Woodstock
  • Sarnia
  • Chatham
  • Stratford
  • Owen Sound
  • Goderich
  • Listowel
  • Hanover
  • Walkerton
  • St. Thomas
  • Woodstock
  • Stratford
  • Chatham
  • Sarnia
  • Leamington
  • Amherstburg
  • Kingsville
  • Essex
  • Windsor
  • Tecumseh
  • LaSalle
    Eastern Ontario
  • Ottawa
  • Kingston
  • Belleville
  • Peterborough
  • Cornwall
  • Brockville
  • Pembroke
  • Smiths Falls
  • Perth
  • Almonte
  • Carleton Place
  • Embrun
  • Hawkesbury
  • Rockland
  • Arnprior
  • Renfrew
  • Perth
  • Prescott
  • Gananoque
  • Alexandria
  • Morrisburg
  • Winchester
  • Kemptville
  • Smiths Falls
  • Petawawa
  • Smiths Falls
  • Perth
    Central Ontario
  • Collingwood
  • Orillia
  • Midland
  • Innisfil
  • Newmarket
  • Bradford
  • Alliston
  • Angus
  • Wasaga Beach
  • Stayner
  • Shelburne
  • Dundalk
  • Mount Forest
  • Barrie
  • Ontario
  • Milton
  • Stouffville
  • Ajax
  • Pickering
  • Whitby
  • Oshawa
  • Cobourg
  • Port Hope
  • Lindsay
  • Bracebridge
  • Gravenhurst
  • Parry Sound
    Northern Ontario
  • Sudbury
  • Thunder Bay
  • Sault Ste. Marie
  • North Bay
  • Timmins
  • Kenora
  • Elliot Lake
  • Kapuskasing
  • Hearst
  • Cochrane
  • Iroquois Falls
  • Kirkland Lake
  • Haileybury
  • Moosonee
    Other Areas
  • Winchester
  • Morrisburg
  • Wyoming
  • Arthur
  • Elmvale
  • Constance Bay
  • Blind River
  • Forest
  • Colchester
  • Port Stanley
  • Thornbury
  • Fenelon Falls



Our Reach Please note that our services extend far beyond the cities mentioned. We proudly serve all of Ontario.



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Maximum charges permitted in British Columbia for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%

Swift Online Cash, proudly canadian owned and operated, offers personalized payday loans and fast cash advances to thousands of Canadians in Brittish Columbia (Vancouver, Surrey , Burnaby and others), in Alberta ( Calgary , Edmonton , Lethbridge , Red Deer , Wood Buffalo , Medicine Hat , Airdrie , and others), in Saskatchewan ( Saskatoon , Regina and others), in Ontario ( Payday Loans Toronto , Ottawa , Mississauga , Brampton , Hamilton , Markham , Niagara Falls and others), in Nova Scotia ( Halifax , Cape Breton , Dartmouth , Truro , Sydney and others) as well as in Manitoba ( Winnipeg , Dauphin , Morden , Portage La Prairie , Selkirk , The Pas , Winkler , Brandon , Steinbach , Thompson and others). Easy online payday loans in Canada, Same day fast cash Ontario, Online loans British Colombia, Get cash money in Alberta, Payday loan Saskatchewan.

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